ATP Index can be used alone or incorporated into models that incorporate consumer financial variables.
ATP Index can help marketers more efficiently assess customer portfolios, enhance targeting, better identify high-potential households for marketing efforts, tailor promotions, rank leads, and help inform account management. ATP Index is available for use in both offline and online applications.

Does your team have the resources and expertise required to build and maintain a reliable ACA solution to meet clients' demands? Consider a reseller or referral partnership with Equifax, and get the trusted compliance technology and support you and your clients are after.

Analytic Dataset is a unique solution which provides insights into the credit health of US consumers through multiple credit cycles. This solution is created from a sample population across different geographical boundaries starting in July 2005 to present. It allows for the entrants of new consumers as others leave the active US consumer population due to death or credit usage.

Audit by Loan Number, or ABLN, is the transaction that allows a GSE to request an audit copy of a completed verification from Equifax. Depending on the GSE program, verifications that are eligible for ABLN include instant income and employment verifications from The Work Number® and those that Equifax completes manually on a lender’s behalf, as well as those retrieved directly from the IRS via the Equifax 4506-T tax transcript service.

Marketers need to connect their digital ad spend to their bottom line.
Our proprietary Closed-Loop Attribution measurement solution allows
marketers to measure – in a repeatable and turnkey manner – the impact
that omni-channel campaigns have on company-specific metrics and
revenue, whether the ‘conversion’ was done online or offline.

If your company is seeking email lists for prospecting campaigns or would like to enhance customer records with email addresses, then Equifax can help. With our email services, companies can better engage with key audiences and deliver relevant and personalized messages to prospects and customers.

With onboarding, marketers can reach their offline target
audiences in the digital world.
Onboarding enables marketers to convert their customer or prospect
data in a secure environment to a digital format that can be used for
online targeting.

These segments are driven by our consumer segmentation system, which takes into account both projected interest and capacity to buy. The methodology differentiates consumers by industry-leading measures of household economics to derive unique buying capacity insights. By combining insights into estimated household income, spending and credit with demographics, buying behaviors and product preferences, these segments offer powerful tools for delivering the right message to the right audience.

Telecommunications, Cable, and Wireless segments are based on the Economic Cohorts® consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with demographics, buying behaviors and product preferences.

Travel, Entertainment, and Leisure segments are based on the Economic Cohorts® consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with demographics, buying behaviors and product preferences.

Discretionary Spending Dollars HD (DS$) is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. For organization addressing internal responsible banking concerns, DS$ HD provides robust discretionary spending capacity estimates at the household level without using protected-class demographics. DS$ can be used alone or incorporated into models and can help identify consumers with the estimated spending levels to afford products and services.

Discretionary Spending Dollars (DS$) from IXI Services is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. DS$ represents disposable income minus non-discretionary expenses.
DS$ can be used alone or incorporated into models where consumer spending is a factor. It is best used to identify consumers with the estimated spending levels to afford various products and services and can be used in both offline and online applications.

As lenders expand and adopt mobile as a channel for services and capabilities, they are finding that the experience is often difficult and
frustrating for applicants. They need to streamline form-fill processes, authenticate applicant’s identities and manage compliance. InstaTouch®
ID provides lenders with a frictionless digital experience, helps simplify processes, and identifies and authenticate more applicants at the point of acquisition.

InstaTouch® ID uses Equifax and mobile carrier data to authenticate a consumer’s identity. This allows for pre-population of consumer data during online checkout or form completion--providing a simpler, frictionless experience.

InstaTouch® Offers, a customized marketing and credit offers solution, enables additional ways to connect with the consumer and build loyalty through lines of credit and real time customizable marketing offers. Utilizing the Equifax credit data and combining it with verified identity enables a business to customize a firm offer of credit or insurance to the consumer based on shopping behaviors and helping limit risk of decline.

Investment Propensity Digital Targeting Segments give firms the option of targeting households based on their likelihood to hold certain types of financial products. These segments are derived from a proprietary foundation of approximately $14 trillion in directly-measured, anonymous invested assets. The Direct version targets based on ZIP+4.

Equifax partners with leading providers of consumer marketing lists to help you
better reach your optimal prospects as well as to augment your company’s existing
customer database. Our list services enable marketers to access key variables for
their prospecting and customer marketing efforts.

Digital targeting solutions enable marketers to better deliver the right message to a desired target audience online based on consumers’ likely interests and economic profiles.

The Small Business Segments leverage attributes from BusinessClass™, Equifax Commercial Solutions’ multi-sourced business marketing database, with over 18 million businesses, aggregated to the ZIP+4 level.

WealthComplete Provides a Complete Picture of Assets for Every U.S. Household

WealthComplete® enables financial services firms to find the hidden potential among their customers. It provides estimates of total assets at the household level, so you can better measure customer growth potential and share of wallet.

WealthComplete also provides asset estimates for six product categories and sub-categories, so you can measure asset allocation and share of wallet by product category.

WealthComplete Provides a Complete Picture of Assets for Every U.S. Household

WealthComplete® enables financial services firms to find the hidden potential among their customers. It provides estimates of total assets at the household level, so you can better measure customer growth potential and share of wallet.

WealthComplete also provides asset estimates for six product categories and sub-categories, so you can measure asset allocation and share of wallet by product category.

As financial services technology changes rapidly, the mortgage industry’s reputation for being behind the times has persisted. The origination process is complex and home loans are high-stakes transactions, but manual processes and reviews remain widespread while automation has been uneven.
A survey of mortgage professionals provides a closer look at the transformation the industry believes it needs to keep its place, the factors driving innovation, and the obstacles standing in the way. A survey of mortgage professionals provides a closer look at the transformation the industry believes it needs to keep its place, the factors driving innovation, and the obstacles standing in the way.

Prescreen list development was taking longer than desired due to manual processes that could not efficiently handle the sophisticated prospect selection criteria. This hampered the number of prescreen campaigns, and the quantity of prospects identified for firm offers of credit. Segment Manager, an online segmentation management tool, was able to rapidly handle its complex prescreen list selection criteria.

Mortgage servicers and investors need new insights into which mortgages are more likely to prepay in order to support customer retention programs and enhance modeling accuracy. Mortgage executives can utilize Income360 household-level total income estimate to better understand borrowers’ current financial capacity, and identify and segment loans that are more likely to prepay.

Since Fannie Mae implemented its DU® Validation Service, many mortgage lenders have hit a speed
bump while trying to implement the Day 1 Certainty™ program. During this webinar, Equifax experts
share their experience with lenders regarding program implementation and provide best practices for a
smooth and efficient roll out. They also share recommendations to successfully request income and
employment verifications from Equifax to minimize processing time and improve borrower experience.

Join Equifax as Mykolas Rambus, General Manager of Data-driven Marketing at Equifax, and guest speaker, Shar VanBoskirk, Principal Analyst at Forrester for an eye-opening webinar, Nebulous Digital Marketing Investment is Dead, where you’ll hear why and how financial services brands are shifting their digital focus from quantity toward quality as they seek to connect with higher-potential, lower-risk audiences across their digital channels.

Take a deep dive into a real unemployment hearing as we act out a case that revolves around verbal harassment in the workplace. Listen in as our experts highlight throughout the case the correct steps that HR departments should take before and during an unemployment hearing.

Get the Equifax ACA Subsidy Toolkit for Employers for access to valuable resources to help you manage subsidy appeals, including:
- An ACA subsidy FAQ document for employees,
- A sample employee education poster,
- A best practice guide for benefits and HR staff, and
- An ACA subsidy process road map.

With the implementation of GSE validation programs, flexibility in the way that lenders purchase and access verification solutions from Equifax is of utmost importance. Download this one-pager for a list of strategic and technology alliances that are enabled for the Audit By Loan Number solution from Equifax for participation in GSE validation programs.

Think differently. Be different. There is a paradigm shift happening: the market needs more tailored data solutions that don’t take months to deliver. You need a solution that can meet market demand through a frictionless process that reduces building, testing and deployment from months to days. Different is the new paradigm. Read Part 1 of the eBook.

Do you have questions about leveraging Equifax verification solutions to participate in the Freddie Mac Automated Income Assessment program? Review these Frequently Asked Questions for details about how the program works, specifics about eligible Equifax solutions, and more.

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